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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,725 | $101,778-37.4% | $164,975-61.4% | $80,925-21.3% |
| Participation rate | 64.3% | 71.8%-7.5pp | 78.6%-14.3pp | 67.7%-3.4pp |
| Annual return | 9.72% | 16.73%-7.0pp | 70.12%-60.4pp | 35.65%-25.9pp |
| Employer contribution / active EE | $9,006 | $2,954+204.9% | $4,343+107.4% | $2,756+226.7% |
| Participant deferral / active EE | $0 | $4,477-100.0% | $6,033-100.0% | $4,299-100.0% |
| Admin fee / account holder | $627 | $8,221-92.4% | $12,688-95.1% | $6,940-91.0% |